1. A personal umbrella policy is designed to:

Provide excess liability coverage above the limits of the underlying auto and home policies

A personal umbrella provides additional liability limits above the underlying auto and homeowners policies, and may fill some gaps.

2. Flood insurance for most homeowners is commonly written through:

The National Flood Insurance Program or private flood insurers

Flood coverage is commonly provided through the National Flood Insurance Program, and increasingly through private flood insurers.

3. A separate boat or watercraft policy is generally needed because the homeowners policy:

Provides only very limited watercraft coverage

Homeowners policies provide only limited watercraft coverage, so larger or faster boats generally need a separate policy.

4. A personal articles floater (inland marine) is used to:

Insure valuable movable items, such as cameras or jewelry, often with no deductible

A personal articles floater insures specific valuable, movable items on a broad basis, frequently without a deductible.